Secure Investment Management LLC

Item 5: Fees and Compensation

SIM’s discretionary investment advisory fee is based upon the level and scope of the overall investment
advisory services to be rendered, which is based upon various objective and subjective factors. These
factors include, but are not limited to, the amount of the assets placed under SIM’s management, the
level and scope of services to be rendered, and the complexity of the engagement. Lower fees for
comparable services may be available from other sources. SIM has the authority to negotiate fees and
fees are outlined in the Investment Advisory Agreement.

Advisory Services

Investment management fees are based on a percentage of total assets managed. Unless otherwise
noted, for services provided pursuant to the Investment Advisory Agreement, SIM’s annual advisory fee
is negotiable and ranges from 0.5% to 1.5% and is at the sole discretion of SIM. The monthly advisory fee
is calculated by multiplying the annual fee, divided by twelve, with the client’s assets under management
(“AUM”) with SIM. The Firm assesses its Investment Management Fee monthly, which is billed in arrears,
based on the average daily balance of the preceding calendar month as valued by the qualified custodian.
Fees for the investment management services provided by SIM are calculated and charged beginning on
the first trade date in the account. The fee will be calculated and deducted from the client’s account
each month following the billing date as stated in the client’s Investment Advisory Agreement (“IAA”).
The client may instead pay fees from another account by completing and submitting written instructions
to SIM. Fees are charged on an asset allocation to cash; however, SIM will not charge fees on uninvested
cash balances (e.g., core cash position). SIM does not charge fees on margin balances.

Note: For legacy clients who have entered SIM Investment Advisory Agreements on or before February
28, 2022, the fee structure under which SIM renders its Services ranges from 0.50% to 2.00%, which is
calculated by multiplying the annual advisory fee with the Client’s assets under management (“AUM”)
with SIM.

Clients engaged on or after 03/01/2022 are charged a fee of no greater than 1.50%.

Financial Planning Services
Financial Planning Services are charged in advance through an hourly fee arrangement, unless mutually
agreed upon to be conducted on a complimentary basis between the IAR and client. Fees for financial
planning are charged hourly at $250 per hour, with a minimum charge of $1,250 or a 5-hour minimum.
SIM, in its sole discretion, can charge 50% of the fee upfront, with the remaining 50% due upon delivery of
the plan. Clients should refer to their agreement regarding their specific terms of payment. Clients can also
engage individually for the following services: Social Security Assessment, Risk Analysis and Stress Test,
and Income Strategy and Analysis. A full financial plan including estate planning and asset map is available
for $1300. Analysis and planning will be accomplished utilizing standard industry planning software, such
as Money Guide Pro/Elite, Retire Up, Orion Portfolio Solutions and more. SIM will make recommendations
designed to meet the client’s objectives; however, clients are not required to implement any
recommendations made in the plan with a SIM representative. Clients should be aware that conflict exists
when implementing recommendations made through financial planning if they choose to implement with
one of our IARs.

Although SIM believes its Financial and Estate Planning fees are competitive, clients should be aware that
lower fees for comparable services are available from other sources. If the Client cancels this Agreement
after five (5) business days, any unpaid earned fees will be due to SIM.

Should a client elect to implement the recommendations contained in their financial plan, the client will
also be subject to fees, expenses, brokerage, and transaction costs as further described in Item 5. Please
also refer to Items 5 and 12 for more information on fees clients are responsible for and SIM’s brokerage
practices.

Fee Discretion
SIM may charge a lesser fee based upon certain criteria: future earning capacity; anticipated future
additional assets; dollar amount of assets to be managed; related accounts; account composition; pre-
existing/legacy client relationship; employer-employee relationship; account retention; or pro bono
activities. Negotiated fees are at the sole discretion of SIM, but will not exceed 1.5%, unless otherwise
indicated in the investment advisory agreement for the service provided.

Direct Fee Deduction
Clients can elect to have SIM’s advisory fees deducted from their custodial account. Both SIM’s Investment
Advisory Agreement and the agreement with Orion Portfolio Solutions authorize the custodian to debit the
account for SIM’s investment advisory fee and to directly remit that management fee to SIM in compliance
with regulatory procedures. In the limited event that SIM bills the client directly, payment is due upon
receipt of SIM’s invoice.

Financial planning fees are due and payable upon the presentation of an invoice and may be made in a
variety of ways as indicated by SIM and at their discretion.

Additional Fees and Expenses

Clients should understand that the fees described above do not include certain charges imposed by third
parties such as custodial fees and charges imposed directly by a mutual fund for fees or expenses. Client
assets can also be subject to transaction costs, retirement plan administration fees (if applicable), deferred
sales charges on mutual funds initially deposited in the account, 12b-1 fees, odd- lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities
transactions.

Client assets invested in mutual funds will be subject to certain fees and expenses imposed directly by
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Item 7: Types of Clients

SIM’s clients shall generally include individuals, business entities, trusts, and estates.

Minimum Account Requirements
SIM generally has an account minimum of $25,000; however, SIM, in its sole discretion may waive the
account minimum or charge a lesser advisory fee based upon certain criteria (i.e., anticipated future earning
capacity, anticipated future additional assets, dollar amount of assets to be managed, related accounts,
account composition, negotiations with client, etc.).

Separate Accounts
SIM provides portfolio management services to clients using separately managed accounts (“Separate
Accounts”). SIM’s management of the client’s Separate Account will be consistent with the particular
investment strategy or strategies the client selected for that account. Clients can impose certain limitations
or restrictions on SIM’s discretionary authority. However, SIM reserves the right not to enter into a contract
with a prospective client, or to terminate an agreement with an existing client, if the proposed limitation or
restriction is likely in SIM’s opinion to impair its ability to provide services to a client or is otherwise believed
by SIM to be administratively or practically infeasible. Refer to Item 8 for additional details about strategy
and risks.